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1267 lines
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forma segura a un sitio web .gov. Comparta información sensible
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sólo en sitios web oficiales y seguros.
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</a><a href="https://www.nlm.nih.gov/" target="_blank"> Biblioteca Nacional de Medicina</a>
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<span>Seguro de salud</span>
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<span class="page-url print-only">Usted esta aquí: https://medlineplus.gov/spanish/healthinsurance.html</span>
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<div class="page-title syndicate">
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<a id="start" name="start"></a>
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<h1 itemprop="name" class="with-also">
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Seguro de salud
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</h1>
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<span class="alsocalled">Otros nombres: Aseguranza, Seguro médico</span>
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<h3>Entérese</h3>
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<a title="Go to: Introducción" href="#summary">Introducción</a>
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<a title="Go to: Comience aquí" href="#cat_51">Comience aquí</a>
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<h3>Para saber más</h3>
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<h3>Investigaciones</h3>
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<h3>Recursos</h3>
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<a title="Go to: Información de referencia" href="#cat_82">Información de referencia</a>
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<a title="Go to: Especialistas" href="#cat_83">Especialistas</a>
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<h3>Para usted</h3>
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<a title="Go to: Niños/as" href="#cat_8">Niños/as</a>
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<a title="Go to: Mujeres" href="#cat_7">Mujeres</a>
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</li>
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</ul>
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</div>
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</div>
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</section>
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<a name="summary"></a>
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<section id="topsum_section">
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<div class="summary-title syndicate">
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<h2>Introducción</h2>
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</div>
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<div id="topic-summary" class="syndicate"><p>El seguro para el cuidado de la salud ayuda a la gente a protegerse contra los elevados costos médicos. Es un contrato entre la persona y la compañía de seguros en donde la persona compra un plan y la compañía accede a cubrir parte de los gastos médicos. </p>
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<p> Mucha gente en los Estados Unidos tiene un seguro para el cuidado de la salud a través de sus empleadores. En la mayoría de los casos, el empleador ayuda a pagar ese seguro. El seguro a través de los empleadores suele ser un plan de <a href="https://medlineplus.gov/spanish/managedcare.html">atención médica administrada</a>. Estos planes contratan a profesionales de la salud y centros médicos para suministrarles atención médica a los afiliados, con costos reducidos. También puede adquirir por su cuenta un seguro para el cuidado de la salud. </p>
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<p> Las personas que cumplen con ciertos requisitos pueden tener derecho a un seguro gubernamental para el cuidado de la salud, tales como <a href="https://medlineplus.gov/spanish/medicare.html">Medicare</a> y <a href="https://medlineplus.gov/spanish/medicaid.html">Medicaid</a>. La Ley del Cuidado de Salud a Bajo Precio amplia la cobertura para muchas personas en los Estados Unidos. </p></div>
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</section>
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<a name="cat_51"></a>
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<section id="cat_51_section">
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<div class="section">
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<div class="section-header">
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<div class="section-title">
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<h2>Comience aquí
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</h2>
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</div>
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<div class="section-button">
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<button title="Expanda la sección Contraer" role="button" aria-controls="section" aria-pressed="true" type="submit">
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<span class="icon icon-section-action"></span>
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</button>
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</div>
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<div aria-live="polite" class="sm-live-area hide-offscreen"></div>
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</div>
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<div id="section51" class="section-body">
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<ul class="bulletlist">
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<li>
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<a href="https://kidshealth.org/es/parents/buy-health-insurance.html" target="TheNewWin" data-sid="118383" >¿Cómo contratar un seguro médico?</a>
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<span class="desc-text">
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<span class="orgs"> (Fundación Nemours)</span>
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</span>
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<span class="also-lang"> También en <a target="TheNewWin2" href="https://kidshealth.org/en/parents/buy-health-insurance.html" data-sid="118382">inglés</a> </span>
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</li>
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<li>
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<a href="https://medlineplus.gov/spanish/ency/patientinstructions/000861.htm" data-sid="120100" >Cómo elegir un plan de salud</a>
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<span class="desc-text">
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<span class="orgs"> (Enciclopedia Médica)</span>
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</span>
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<span class="also-lang"> También en <a href="https://medlineplus.gov/ency/patientinstructions/000861.htm" data-sid="120002">inglés</a> </span>
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</li>
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<li>
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<a href="https://medlineplus.gov/spanish/ency/patientinstructions/000879.htm" data-sid="120082" >Cómo interpretar los planes de seguros médicos</a>
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<span class="desc-text">
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<span class="orgs"> (Enciclopedia Médica)</span>
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</span>
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<span class="also-lang"> También en <a href="https://medlineplus.gov/ency/patientinstructions/000879.htm" data-sid="120022">inglés</a> </span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/choose-a-plan/comparing-plans/" target="TheNewWin" data-sid="119601" >Cómo seleccionar un plan de seguro médico</a>
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<span class="desc-text">
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<span class="orgs"> (Centros de Servicios de Medicare y Medicaid)</span>
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</span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/" target="TheNewWin" data-sid="93172" >CuidadoDeSalud.gov</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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<span class="also-lang"> También en <a target="TheNewWin2" href="https://www.healthcare.gov/" data-sid="92045">inglés</a> </span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/quick-guide/" target="TheNewWin" data-sid="110019" >Guía rápida para el Mercado de Seguros Médicos</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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<span class="also-lang"> También en <a target="TheNewWin2" href="https://www.healthcare.gov/quick-guide/" data-sid="109996">inglés</a> </span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/why-coverage-is-important/" target="TheNewWin" data-sid="110128" >Por qué la cobertura de salud es importante</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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</li>
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<li>
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<a href="https://es.familydoctor.org/seguro-medico-entendiendo-lo-que-este-cubre/?adfree=true" target="TheNewWin" data-sid="47790" >Seguro de salud: comprender qué cubre</a>
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<span class="desc-text">
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<span class="orgs"> (Academia Americana de Médicos de Familia)</span>
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</span>
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<span class="also-lang"> También en <a target="TheNewWin2" href="https://familydoctor.org/health-insurance-understanding-covers/?adfree=true" data-sid="36678">inglés</a> </span>
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</li>
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</ul>
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</div>
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</div>
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</section>
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<a name="cat_47"></a>
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<section id="cat_47_section">
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<div class="section">
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<div class="section-header">
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<div class="section-title">
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<h2>Asuntos relacionados
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</h2>
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</div>
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<div class="section-button">
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<button title="Expanda la sección Contraer" role="button" aria-controls="section" aria-pressed="true" type="submit">
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<span class="icon icon-section-action"></span>
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</button>
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</div>
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<div aria-live="polite" class="sm-live-area hide-offscreen"></div>
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</div>
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<div id="section47" class="section-body">
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<ul class="bulletlist">
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<li>
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<a href="https://www.cuidadodesalud.gov/es/coverage/pre-existing-conditions/" target="TheNewWin" data-sid="110029" >Cobertura de enfermedades preexistentes</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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</li>
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<li>
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<a href="https://medlineplus.gov/spanish/ency/patientinstructions/000881.htm" data-sid="120080" >Cómo interpretar su factura del hospital</a>
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<span class="desc-text">
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<span class="orgs"> (Enciclopedia Médica)</span>
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</span>
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<span class="also-lang"> También en <a href="https://medlineplus.gov/ency/patientinstructions/000881.htm" data-sid="120024">inglés</a> </span>
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</li>
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<li>
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<a href="https://medlineplus.gov/spanish/ency/patientinstructions/000878.htm" data-sid="120083" >Cómo interpretar sus costos de atención médica</a>
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<span class="desc-text">
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<span class="orgs"> (Enciclopedia Médica)</span>
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</span>
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<span class="also-lang"> También en <a href="https://medlineplus.gov/ency/patientinstructions/000878.htm" data-sid="120019">inglés</a> </span>
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</li>
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<li>
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<a href="https://medlineplus.gov/spanish/ency/patientinstructions/000864.htm" data-sid="120097" >Cuentas de ahorros para gastos de atención médica</a>
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<span class="desc-text">
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<span class="orgs"> (Enciclopedia Médica)</span>
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</span>
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<span class="also-lang"> También en <a href="https://medlineplus.gov/ency/patientinstructions/000864.htm" data-sid="120005">inglés</a> </span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/health-care-law-protections/" target="TheNewWin" data-sid="110115" >Derechos y protecciones de la cobertura de salud</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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</li>
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<li>
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<a href="https://consumidor.ftc.gov/articulos/detecte-las-estafas-de-seguro-de-salud" target="TheNewWin" data-sid="57123" >Detecte las estafas de seguro de salud</a>
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<span class="desc-text">
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<span class="orgs"> (Comisión Federal de Comercio)</span>
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</span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/reporting-changes/" target="TheNewWin" data-sid="113943" >Reportar cambios de ingresos, hogar y otros cambios</a>
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<span class="desc-text">
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<span class="orgs"> (Centros de Servicios de Medicare y Medicaid)</span>
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</span>
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</li>
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</ul>
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</div>
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</div>
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</section>
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<a name="cat_42"></a>
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<section id="cat_42_section">
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<div class="section">
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<div class="section-header">
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<div class="section-title">
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<h2>Asuntos específicos
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</h2>
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</div>
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<div class="section-button">
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<button title="Expanda la sección Contraer" role="button" aria-controls="section" aria-pressed="true" type="submit">
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<span class="icon icon-section-action"></span>
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</button>
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</div>
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<div aria-live="polite" class="sm-live-area hide-offscreen"></div>
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</div>
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<div id="section42" class="section-body">
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<ul class="bulletlist">
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<li>
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<a href="https://www.cuidadodesalud.gov/es/coverage/preventive-care-benefits/" target="TheNewWin" data-sid="119600" >Beneficios de cuidado preventivo: Lo que cubren los planes</a>
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<span class="desc-text">
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<span class="orgs"> (Centros de Servicios de Medicare y Medicaid)</span>
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</span>
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</li>
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<li>
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<a href="https://www.cms.gov/About-CMS/Agency-Information/OMH/Downloads/C2C-Postcard-Spanish-April.pdf" target="TheNewWin" data-sid="127987" >Cinco maneras de aprovechar su cobertura médica</a>
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<span class="desc-text">
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<span class="orgs"> (Centros de Servicios de Medicare y Medicaid)</span>
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- <span class="desccode">PDF</span>
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</span>
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</li>
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<li>
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<a href="https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/health-benefits-under-cobra.pdf" target="TheNewWin" data-sid="57200" >Guía para el empleado sobre los beneficios de salud bajo COBRA</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Trabajo)</span>
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- <span class="desccode">PDF</span>
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</span>
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</li>
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</ul>
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</div>
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</div>
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</section>
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<a name="cat_82"></a>
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<section id="cat_82_section">
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<div class="section">
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<div class="section-header">
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<div class="section-title">
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<h2>Información de referencia
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</h2>
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</div>
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<div class="section-button">
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<button title="Expanda la sección Contraer" role="button" aria-controls="section" aria-pressed="true" type="submit">
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<span class="icon icon-section-action"></span>
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</button>
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</div>
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<div aria-live="polite" class="sm-live-area hide-offscreen"></div>
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</div>
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<div id="section82" class="section-body">
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<ul class="bulletlist">
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<li>
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<a href="https://www.cuidadodesalud.gov/es/glossary/" target="TheNewWin" data-sid="110088" >Glosario (Ley de Salud a Bajo Precio)</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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</li>
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</ul>
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</div>
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</div>
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</section>
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<a name="cat_83"></a>
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<section id="cat_83_section">
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<div class="section">
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<div class="section-header">
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<div class="section-title">
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<h2>Especialistas
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</h2>
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</div>
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<div class="section-button">
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<button title="Expanda la sección Contraer" role="button" aria-controls="section" aria-pressed="true" type="submit">
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<span class="icon icon-section-action"></span>
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</button>
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</div>
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<div aria-live="polite" class="sm-live-area hide-offscreen"></div>
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</div>
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<div id="section83" class="section-body">
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<ul class="bulletlist">
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<li>
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<a href="https://www.cuidadodesalud.gov/es/contact-us/" target="TheNewWin" data-sid="110254" >Contáctenos (sobre la Ley del Cuidado de Salud a Bajo Precio)</a>
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<span class="desc-text">
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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</span>
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</li>
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</ul>
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</div>
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</div>
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</section>
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<a name="cat_8"></a>
|
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<section id="cat_8_section">
|
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<div class="section">
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<div class="section-header">
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<div class="section-title">
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<h2>Niños/as
|
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</h2>
|
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</div>
|
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<div class="section-button">
|
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<button title="Expanda la sección Contraer" role="button" aria-controls="section" aria-pressed="true" type="submit">
|
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<span class="icon icon-section-action"></span>
|
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</button>
|
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</div>
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<div aria-live="polite" class="sm-live-area hide-offscreen"></div>
|
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</div>
|
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<div id="section8" class="section-body">
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<ul class="bulletlist">
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<li>
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<a href="https://kidshealth.org/es/parents/find-care.html" target="TheNewWin" data-sid="107228" >Búsqueda de un seguro de salud asequible</a>
|
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|
<span class="desc-text">
|
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<span class="orgs"> (Fundación Nemours)</span>
|
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</span>
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</li>
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<li>
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<a href="https://www.cuidadodesalud.gov/es/medicaid-chip/getting-medicaid-chip/" target="TheNewWin" data-sid="113942" >Cobertura de Medicaid y CHIP</a>
|
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<span class="desc-text">
|
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|
<span class="orgs"> (Centros de Servicios de Medicare y Medicaid)</span>
|
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</span>
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</li>
|
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</ul>
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</div>
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</div>
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</section>
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<a name="cat_7"></a>
|
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<section id="cat_7_section">
|
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<div class="section">
|
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<div class="section-header">
|
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<div class="section-title">
|
|
<h2>Mujeres
|
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|
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</h2>
|
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</div>
|
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<div class="section-button">
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<a href="https://www.cuidadodesalud.gov/es/preventive-care-women/" target="TheNewWin" data-sid="116286" >Servicios preventivos de salud para mujeres</a>
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<span class="orgs"> (Departamento de Salud y Servicios Humanos)</span>
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<span class="also-lang"> También en <a target="TheNewWin2" href="https://www.healthcare.gov/preventive-care-women/" data-sid="116228">inglés</a> </span>
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MedlinePlus en español contiene enlaces a documentos con información de salud de los Institutos Nacionales de la Salud y otras agencias del gobierno federal de los EE. UU. MedlinePlus en español también contiene enlaces a sitios web no gubernamentales. Visite nuestras <a href="https://medlineplus.gov/spanish/disclaimers.html">cláusulas de exención de responsabilidad</a> sobre enlaces externos y nuestros <a href="https://medlineplus.gov/spanish/criteria.html">criterios de selección</a>.
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